![]() The Health Insurance Marketplace is often referred to as the health insurance “exchange.” Depending on your income and your eligibility for other health insurance coverage, you may qualify for subsidies-also called premium tax credits-when you buy health insurance through the marketplace. Option 1: Use the Government’s Health Insurance Marketplace Buying through an association or membership organization may allow you to get a group rate on health insurance.If you purchase health insurance through an online health insurance brokerage, aka a private exchange, you may not be shown all of the plans that meet your requirements.Working with a broker means you won't be charged a fee. You can also work with an agent or broker to get health insurance.If you want to qualify for subsidies, you should apply through or your state exchange rather than buying directly from an insurer.Your best chance to buy affordable, comprehensive health insurance is during the annual open enrollment window.
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